农村电子商务支付问题探讨

Study on Rural Electronic Commerce Pay

资金支付是关系到电子商务活动是否可以正常开展的关键环节。目前资金支付包括货到付款、第三方支付、银行转帐、银行汇款和邮局汇款,但农村用户作为买家,由于用户信任有限、手续繁琐或网点数目不够等原因,限制了支付渠道不畅通进而影响电子商务活动的开展。本文将设定一种全新的基于担保、支持农村地区电子商务活动的支付方式,让广大农村用户可以享受到电子商务带来的便捷与利益。

The funds pay is the key link to the development of electronic business activities. At present, funds pay includes COD, escrow, bank transfer, bank transfer, and mail remittance. However, for rural users as a buyer, the limit user trust, red tape, and inadequate number of outlets limit the unblocked pay channel, so as to affect e-commerce activities. This paper will set up a kind of brand-new payment based on guarantee, supporting for rural areas electronic business activities, let the vast rural users can enjoy convenience and benefit that the e-eommerce brings.